I had the same problem when contemplating importing a Samsung Note Fe into my country which is the UK @Sungpoon
Samsung Pay won't work as it has the other countries firmware etc on it which can't be got around via any change of settings in the phone.
It wasn't meant to be used permanently in another country.
You could look into a Custom Rom by going to the xdadevelopers website.
But be very careful and learn about what to do if issues then arise.
A person uses a Custom Rom at their own informed choice being aware that the procedure could leave the phone with stability issues and in some extreme cases unusable.
Daily Driver > Samsung Galaxy s²³ Ultra 512Gb in Phantom Black.
The advice I offer is my own and does not represent Samsung’s position.
I'm here to help. " This is the way. "